NMLS ID
#71107
Have Any Questions?
770-744-1811
Looking for Commercial Loan or Non-QM Financing — No W-2 Required. Give Capital Funding and Mortgage a call and find the right program for you.
Looking for Commercial Loan or Non-QM Financing — No W-2 Required. Give Capital Funding and Mortgage a call and find the right program for you.
#71107
770-744-1811
Flexible financing options designed for borrowers with unique income situations or property types.
Ideal for self-employed borrowers using bank statements for income verification.
Our Bank Statement Loan program is designed specifically for self-employed individuals who may not have traditional W-2 income or tax returns that accurately reflect their cash flow. We use 12 or 24 months of personal or business bank statements to qualify income, offering a flexible solution for entrepreneurs and small business owners looking to purchase or refinance a home.
Self-employed for at least two years, minimum credit score of 620, 12 or 24 months of bank statements, minimum down payment of 10%.
No tax returns required, competitive rates, flexible income calculation, suitable for a wide range of property types.
Perfect for real estate investors using rental income to qualify.
The Debt Service Coverage Ratio (DSCR) Investor Loan is tailored for real estate investors seeking to finance investment properties without personal income verification. Qualification is based on the property’s projected rental income covering the mortgage payment (PITI). This program is excellent for expanding your rental portfolio or refinancing existing investment properties.
Property must be an investment property, DSCR ratio of 1.0x or higher, minimum credit score of 640, reserves required.
No personal income or employment verification, qualify based on property cash flow, ideal for experienced and new investors, fast closing times.
For high-net-worth individuals using liquid assets for income qualification.
Our Asset Depletion Loan is designed for borrowers with significant liquid assets but limited traditional income. We can qualify you for a mortgage by ‘depleting’ a portion of your verifiable assets over the loan term, providing a viable path to homeownership or refinancing for retirees or those with substantial wealth.
Significant liquid assets (e.g., stocks, bonds, retirement accounts), minimum credit score of 680, assets must be seasoned.
Utilize assets instead of traditional income, ideal for retirees or those with non-traditional income streams, flexible asset types accepted.
For business owners using Profit & Loss statements for income verification.
The P&L Statement Loan is a specialized Non-QM product for business owners who can provide a Profit & Loss statement prepared by a CPA or tax preparer. This loan offers an alternative to traditional tax return-based qualification, recognizing the unique financial structures of many small businesses.
Business owner for at least two years, P&L statement (12 or 24 months) prepared by a professional, minimum credit score of 620.
Alternative to tax returns, competitive rates, suitable for various business types, supports business growth.
Mortgage solutions for non-U.S. citizens purchasing property in the U.S.
Our Foreign National Loan program caters to individuals who are not U.S. citizens or permanent residents but wish to purchase investment or second homes in the United States. We offer flexible underwriting guidelines, recognizing international income and credit profiles, making U.S. property ownership accessible.
Non-U.S. citizen, valid passport and visa (if applicable), significant down payment, international credit history considered.
Access to U.S. real estate market, flexible documentation, competitive rates for foreign investors, no U.S. credit history required.
Home loans for individuals using an Individual Taxpayer Identification Number.
The ITIN Loan program provides mortgage financing for borrowers who file taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. This program helps individuals who contribute to the U.S. economy achieve their dream of homeownership, offering a pathway to financing that traditional lenders often overlook.
Valid ITIN, consistent employment history, minimum credit score of 600, down payment requirements vary.
Homeownership for ITIN holders, flexible underwriting, competitive interest rates, supports community growth.
Explore our complete range of specialized financing solutions tailored to your unique needs.
Our experienced team is here to guide you through the process
Capital Funding and Mortgage Group
Capital Funding and Mortgage is not acting on behalf of or at the direction of HUD/FHA Or the Federal Government
Disclaimer: We specialize in Non-QM loans for real estate investors and commercial loan financing. This is not an offer to lend. All loans subject to qualification and approval.
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